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Letters to the Editor - Nov. 19 - Daily Camera
I got to thinking about the $700 billion bailout plan and how Paulson has waffled and now wants to spend it in what he feels is a better way for the country. Let me make my suggestion on how a portion of that money could be spent. In 2002 the U.S ...

Home price swings back to affordable - Merced Sun-Star
Kevin Reeves began house-hunting this summer with a strict budget of not paying more than $150,000. He looked at about 20 bank-owned homes, trying to find the perfect fit for his family of four. Six weeks later, the 41-year-old Reeves had moved into ...

Hip bachelor bets on Detroit Garden Court condominium - Detroit News
Ryan South, 25, looked at about 150 houses for sale on Metro Detroit's eastside before he realized what he really coveted. "I grew up in Grosse Pointe, and Jefferson Avenue was always my main drag," says South, director of mortgage banking for ...

All-GOP group heads to Tallahassee - Florida Today
TALLAHASSEE -- If enthusiasm and readiness to learn can make up for political experience and Capitol clout, Brevard County stands in good shape as Florida lawmakers begin new terms this week. With four freshmen in the House and one new senator moving ...

Rove's View of How Obama Won - ABC News Blogs
George Bush handed the presidency to Obama by starting a financial panic. Obama will now be blamed for all of the failures of the Bush administration. It's a plan, not a mistake. The same number won the same Illinois Lottery on Christmas Day 2004 ...

Stefan Forbes, Filmmaker, Presents Lee Atwater -- The Sidekick of ... - Buzzflash.com
Atwater is the P.T. Barnum of American politics. He gave Rove and a whole generation of young Republicans the guiding principle they took with them into the White House: The truth doesn't matter.  -- Director Stefan Forbes, Maker of "Boogie Man, The ...

Atwater, in first speech, says government has grown too big - Fort Lauderdale Sun-Sentinel
In his first speech as Senate president, Jeff Atwater gave a nod to Florida???s historic cash crunch, but nonetheless laid out an ambitious agenda he hopes to accomplish during his two years. Atwater, R-Palm Beach Gardens, said he would convene ...

Crisis grew from many root causes - St. Petersburg Times
Our recent election symbolized a lot of things for this country. Using fear tactics, Rovian and Atwater-style conquering and dividing, scapegoating and finger-pointing were at last rendered obsolete. But as this column clearly demonstrated, the ...

Former Merced hospital worker accused of stealing $400,000 from Mercy - Merced Sun-Star
A former employee was arrested for forgery and embezzling of more than $400,000 from Mercy Medical Center Merced, Merced police said. Deborah Ann Morton, a former medical staff director at the hospital, used embezzled money to pay her mortgage, car ...

Today's Mortgage Terms starting with C

Cash To Close: Liquid assets that are available on hand for payment of closing costs involved in the processing of a mortgage transaction.

Closing: The completion of a real estate transaction. The closing includes the delivery of a deed, financial adjustments, signing of notes and disbursement of funds required to finalize the sale and loan transaction.

Closing Costs: Fees generally paid by the borrower in relation to the closing of a mortgage loan.

Collateral: Property pledged as security for a debt.

Conforming Loan: Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally buys first mortgages up to loan amounts approved by Congressional directive.

Conventional Loan: Loans that are not part of any government housing program, free of any restrictions of government insured housing programs, such as loan size limits.

Conversion Clause: A feature in certain ARMs that gives you the option to convert the variable rate loan to a fixed-rate loan, usually after the first adjustment period. The new fixed rate will be set at current rates and there could be a fee for the conversion feature.

Convertible ARM: A type of ARM loan that can be converted to a fixed-rate loan after a certain time period.

Covenant: A clause in a contract that obligates or restricts the parties and if broken, can result in a legal action.

Credit Bureau: It is a clearinghouse for credit history information.

Credit Report: A report containing a detailed credit history of an individual.

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